TECHNOLOGY @ RBC

Strength of a high-quality liquid balance sheet Assets $1,625 Billion (as at October 31, 2020) Liabilities & Capital Unsecured Funding 33% Wholesale Funding Cash and Reverse Repos 140% coverage 46% Liquid Assets Secured Funding Trading & Investment Securities Loan Portfolio Represents 41% of Total Balance Sheet Excluding Allowances and Including Sold MBS as per IFRS 134% coverage Residential Mortgages(1) Other Retail Loans Derivatives are on Balance Sheet as per IFRS Wholesale Loans Other Assets(2) Personal Deposits Business & Government Deposits Securitization (1) and Covered Bonds Capital Other Liabilities(2) 54% Capital + Retail- Related Funding (1) Securitized agency mortgaged back securities (MBS) are on balance sheet as per IFRS. (2) Other assets include $113BN of derivatives related assets, largely offset by derivatives related liabilities in Other liabilities. Under IFRS derivative amounts with master netting agreements cannot be offset and the gross derivative assets and liabilities are reported on balance sheet. 58 | APPENDIX RBC

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